Private medical insurance
Using Your Vitality Health Policy for Physiotherapy at Bluebell
Vitality Health typically covers physiotherapy for musculoskeletal conditions. Their process usually starts with the Vitality Care app or a call to Member Care — you'll be triaged and, for MSK complaints, given the option of digital physio (via a Vitality partner) or face-to-face treatment.
How the Vitality Claims Process Usually Works
- 1
Open the Vitality Care app or call Member Care on 0345 602 3523.
- 2
Report your symptoms and request face-to-face physiotherapy — for most MSK issues this is available as an alternative to their digital-first partner.
- 3
You'll receive a pre-authorisation and claim reference.
- 4
Book at Bluebell — mention your Vitality membership number and claim reference.
- 5
We invoice Vitality directly for authorised sessions; you pay any excess up front.
Insurer networks and cover rules change over time. Always confirm your current cover directly with Vitality before your first appointment — or call us on 01634 757123 and we'll walk you through it.
Vitality Physiotherapy — Common Questions
Can I skip Vitality's digital physio and see a physio in person?
For most MSK problems, yes — call Member Care and explain you'd prefer face-to-face treatment. Vitality regularly authorises this route.
Does Vitality cover shockwave therapy?
Vitality generally covers physiotherapy techniques used within a treatment plan for eligible conditions. Confirm shockwave cover for your diagnosis at the pre-authorisation stage.
Do I need a GP referral for Vitality physio?
Not usually — Vitality's Care Hub triages MSK complaints directly and authorises physio without a GP visit for most cases.
What if my Vitality plan has an excess?
Standard PMI rules apply: you pay your excess at the first appointment and we invoice Vitality for the remainder.
Will Vitality reward points apply if I use Bluebell?
Vitality rewards are set by your policy and activity, not by which physio you use. Ask Vitality about eligible activities linked to physiotherapy claims.